It won’t be long before the temperatures drop and winter will be upon us. If you have structures with water lines, you need to be sure to maintain heat. Even if the heat is on, it could be low enough that water lines in exterior walls could freeze in times of extreme wind chill or temperature drops. Winterize your pipes when possible and be sure the heat is at an appropriate level; simply leaving it above freezing will most likely not be sufficient. Freezing pipes and the resulting damage may not be a covered loss in certain types of insurance policies. In addition, policies that do contain coverage for the peril of freezing may not cover loss that results from your failure to maintain heat or properly winterize the structure. Check with your insurance company or agent if you need help understanding your policy, and brace yourself for winter!
This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.